I think it's naive for Dwolla to think that they have a secure system when it's been untested and will start by being used on a small scale. While the delay in

I think it's naive for Dwolla to think that they have a secure system when it's been untested and will start by being used on a small scale. While the delay in the current ACH system may not have been a QWERTY type thing in place to prevent some fraud (in other words it existed because of real reasons not to prevent "jammed" keys) a system that operates faster is going to certainly be more of a challenge to get right. Edit: Specifically I'm not seeing anything on the Dwolla site to back up this statement: "A system that inherently better protects you than before is live"